It is the policy of Intercoastal
Medical Group to collect payment for professional
services from the patient at the time the service
is rendered. We gladly will file your insurance for
you; however, we do require that you pay your share
– co-pay, co-insurance and/or deductible- (including
any prior balances that are your responsibility) at
the time of service.

At the time your appointment is
scheduled, you will be informed that payment for both
co-pays and previous balances are required at the
time of service. We will also ask you to bring your
current insurance card and photo ID to the appointment.
You will be reminded of this again, when we call to
confirm your appointment a day or two before you are
scheduled to visit.

Insurance

We accept most insurance plans
and will file your claim for you.

At the office, our check-in staff
will review your insurance ID card and update your
insurance information. Please bring your cards with
you for every visit!

Medicare co-insurance payments
are payable at the time of service unless you have
secondary insurance. Your insurance deductible will
be due at the time of the visit, if appropriate. We
accept assignment of all secondary insurances.

Co-payment, co-insurance and deductible
payments are all your responsibility and are collected
at the time of service.

Patients’ Financial Responsibility

You will be informed of any outstanding
balance that is your responsibility when you call
for an appointment.

If your account is past due, you
will be required to pay any patient balance owed in
full prior to any new appointment being made. Failure
to pay past due balances could result in dismissal
from the practice.

Procedure and Surgical charges
are analyzed prior to the procedure to evaluate your
share of the charge. Partial payment is required prior
to the procedure being performed.

FAQ's

Q. “Did
you bill my insurance?”

A.
Intercoastal Medical Group's policy is that all claims
are filed to your insurance as long as we have the
correct information on file. It is your responsibility
to provide us with your current insurance information.

Q. “I
have an HSA account. Do I have to pay at the time of
service?"

A.
Yes. Many people have HSA accounts, but each HSA account
can be different. Because of this, we cannot make
exceptions to our policy requiring collecting at the
time of service.

Q. “Why didn't my insurance pay for my tests?"

A. Your physician will order tests, treatments, vaccines, etc. that he/she believes are needed and/or recommended. It is impossible for your physician to know what your particular insurance will cover. Some insurance contracts will pay for everything while others will only pay for a test a limited number of times. Others may not cover the test or treatment at all. It is your responsibility to determine if your insurance will cover these services. Services not covered by your insurance are billed to you.

Q. “Is there a difference between a Physical Exam and an Annual Wellness Visit?"

A.
Yes. A Medicare Wellness Visit must follow the guidelines established by Medicare. It is designed so that your physician can gather specific information about your health status via interview and questionnaires. It does not include an actual examination by your physician. A Physical Exam is more thorough and includes a physician examination. Neither the Wellness Visit nor the Physical Exam include "treatment" by the physician. Medicare pays 100% of the cost of a Wellness Visit each year, provided it has been at least one year since any prior Wellness Visit. Medicare does not pay for a Physical Exam.

Q. “On my recent Wellness Visit, my physician also billed for an Office Visit. Is this a mistake?"

A. No. The Wellness Visit, as defined by Medicare, includes interview and questionnaires. If it is necessary for the physician to treat you for a medical condition at the time of the Wellness Visit or, if you request that the physician treat you for a medical condition at the time of the Wellness Visit, the treatment portion of the visit is considered a separate visit as it is outside of the scope of the Wellness Visit.